Competitive Rates
At Park Community, we believe your money should work as hard as you do. That’s why we offer competitive rates on loans, savings, and more—so you can reach your financial goals faster.
Savings Accounts
| Account Type | Rate | APY* |
|---|---|---|
| IRA Savings | 0.070% | 0.07% |
| Holiday | 0.070% | 0.07% |
| HSA | 0.070% | 0.07% |
| Regular Account | 0.070% | 0.07% |
*APY=Annual Percentage Yield. Rates as of 5.1.2025 and subject to change without notice. For more detailed information, call 502.968.3681.
Promo Certificates
| Certificate Type | Minimum Deposit Amount | Dividend Rate | APY* |
|---|---|---|---|
| Promotional 7 – Month Term | $500 | 4.066% | 4.15% |
| Promotional 10 – Month Term | $500 | 4.066% | 4.15% |
| Promotional 15 – Month Term | $500 | 3.922% | 4.00% |
*APY= Annual Percentage Yield. APY effective 2.17.2026. Rates and terms are subject to change without notice. Dividends are calculated by the actual daily balance method which applies a daily periodic rate to the balance in the certificate each day. The dividend rate and APY at the time of purchase are fixed and will be in effect for the term of the certificate. A minimum opening deposit of $500 is required to open the account. Must qualify for membership and become a member to open certificate. Certificate will auto-renew into a traditional 12 month certificate at the applicable rate. Regulations prohibit payment in excess of available earnings. Penalty will be applied for early withdrawal. Fees may reduce earnings. Federally Insured by NCUA.
Traditional Certificates
| Certificate Type | Minimum Deposit | Dividend Rate | APY* |
|---|---|---|---|
| Traditional 6-Month Term | $500 | 1.980% | 2.00% |
| Traditional 12-Month Term | $500 | 2.225% | 2.25% |
| Traditional 18-Month Term | $500 | 2.372% | 2.40% |
| Traditional 24-Month Term | $500 | 2.567% | 2.60% |
| Traditional 36-Month Term | $500 | 2.956% | 3.00% |
| Traditional 48 Month Term | $500 | 2.762% | 2.80% |
| Traditional 60-Month Term | $500 | 2.567% | 2.60% |
*APY= Annual Percentage Yield. APY effective 5.1.2025. Rates and terms are subject to change without notice. Dividends are calculated by the actual daily balance method which applies a daily periodic rate to the balance in the certificate each day. The dividend rate and APY at the time of purchase are fixed and will be in effect for the term of the certificate. A minimum opening deposit of $500 is required to open the account. Must qualify for membership and become a member to open certificate. Certificate will auto-renew for the same term as the original certificate at the applicable rate. Regulations prohibit payment in excess of available earnings. Penalty will be applied for early withdrawal. Fees may reduce earnings. Federally Insured by NCUA.
Money Market Accounts
| Range | Dividend Rate | APY* | Dividend Rate with Park Perks** | APY* with Park Perks** |
|---|---|---|---|---|
| $1,000 to $49,999.99 | 0.449% | 0.45% | 0.747% | 0.75% |
| $50,000 – $149,999.99 | 0.995% | 1.00% | 1.292% | 1.30% |
| $150,000 – $249,999.99 | 0.995% | 1.00% | 1.735% | 1.75% |
| $250,000 & higher | 1.094% | 1.10% | 2.225% | 2.25% |
*APY = Annual Percentage Yield. All savings rates quoted as annual percentage yields. Rates as of 10.01.2025 and subject to change without notice. Fees could reduce earnings
**Exclusive rates and waived monthly maintenance fee available with active Park Perks enrollment. To enroll in Park Perks member must have a Thryve Checking account, a debit card, and be enrolled in Savings Jar with a minimum of one round up within the current statement cycle.
IRAs
| IRA Accounts (Roth or Traditional) | Dividend Rate | APY* |
|---|---|---|
| 7 month promotional IRA Certificate | 4.066% | 4.15% |
| 10 month promotional IRA Certificate | 4.066% | 4.15% |
| 15 month promotional IRA Certificate | 3.922% | 4.00% |
| 6 month IRA Certificate | 1.980% | 2.00% |
| 12 month IRA Certificate | 2.225% | 2.25% |
| 18 month IRA Certificate | 2.372% | 2.40% |
| 24 month IRA Certificate | 2.567% | 2.60% |
| 36 month IRA Certificate | 2.956% | 3.00% |
| 48 month IRA Certificate | 2.762% | 2.80% |
| 60 month IRA Certificate | 2.567% | 2.60% |
*APR=Annual Percentage Rate. Rates as of 6.30.2025 and subject to change without notice. An early withdrawal penalty may be imposed on certificate accounts. For more detailed information, call 502.968.3681.
Personal Loans
| Term | APR* |
|---|---|
| Up to 60 Months | 11.24% – 17.99%* |
| 61 – 72 Months | 14.24% – 17.99%* |
*Annual Percentage Rate. Rates as of September 1, 2025, and subject to change without notice. Must qualify. Other terms and conditions may apply. Loan example: $5,000 for 60 months at 11.74% annual percentage rate would yield a $110.57 per month payment or approximately $22.12 per $1,000 borrowed. The interest rate will be based upon the member’s credit score.
Credit Builder Loans
| Term | APR* |
|---|---|
| 12 Months | 12.24% – 17.99%* |
*Annual Percentage Rate. Rates as of January 1, 2025, and subject to change without notice. Must qualify. Other terms and conditions may apply. Loan example: $1,500 for 24 months at 12.24% annual percentage rate would yield a $70.78 per month payment or approximately $47.19 per $1,000 borrowed. Member must display that they have sufficient income to repay the debt. Loan may be granted for up to $2,500 at terms not to exceed 24 months. Proceeds of the loan will be deposited into the member’s savings account and pledged as security for this loan. All pledge funds must remain in the account until the loan is paid in full. The interest rate will be based upon the member’s credit score.
Auto Loans
| Term | APR* |
|---|---|
| Up to 48 Months | 5.24%* |
| 49 – 60 Months | 5.99%* |
| 61 – 72 Months | 6.49%* |
| 73 – 84 Months | 7.24%* |
| 85 – 96 Months | 8.24%* |
*Annual Percentage Rate. Rates as of August 1, 2025, and subject to change without notice. Must qualify. Final rate determined by credit score, vehicle age, vehicle value and loan term. Other terms and conditions may apply. Advertised rate includes 0.25% rate reduction for automatic payment from a Park Community CU account. Loan example: $20,000 for 48 months at 5.24% annual percentage rate would yield a $462.80 per month payment or approximately $23.14 per $1,000 borrowed.
Motorcycle Loans
| Term | APR |
|---|---|
| Up to 48 Months | 8.24%* |
| 49 – 60 Months | 8.49%* |
| 61 – 72 Months | 8.99%* |
| 73 – 84 Months | 9.49%* |
*Annual Percentage Rate. Rates as of January 1, 2025, and subject to change without notice. Must qualify. Final rate determined by credit score, collateral age, collateral value, and loan term. Other terms and conditions may apply. Other terms and conditions may apply. The advertised rate includes 0.25% rate reduction for automatic payments. Loan example: $20,000 for 60 months at 8.24% annual percentage rate would yield a $407.83 per month payment or approximately $20.39 per $1,000 borrowed. The interest rate will be based upon the member’s credit score.
RV & Boat Loans
| Term | APR* |
|---|---|
| Up to 60 Months | 8.74%* |
| 61 – 120 Months | 9.24%* |
| 121 – 180 Months | 9.74%* |
*Annual Percentage Rate. Rates as of January 1, 2025, and subject to change without notice. Must qualify. Final rate determined by credit score, collateral age, collateral value, and loan term. Other terms and conditions may apply. The advertised rate includes 0.25% rate reduction for automatic payments. Loan example: $20,000 for 60 months at 8.74% annual percentage rate would yield a $412.77 per month payment or approximately $20.64 per $1,000 borrowed. The interest rate will be based upon the member’s credit score.